Demographic Trends

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New Baby? Before You Start a College Fund, Do This

Nothing – and I mean nothing – will change your life as dramatically as the birth of your first child. It’s a wonderful moment and one that I hope everyone gets to

Purchasing Power

The Affluent Market Is Finally Fading… and Fast

About 30 years ago, I was able to predict the U.S. would see a major generational spending peak in 2007, all from my demographic indicator, the Generational Spending Wave. On


The Most Useless Question in Retirement Planning

Who wants to spend their golden years slowly depleting their nest egg hoping they don’t outlive it? No one wants to live out their best years that way!

Purchasing Power

At This Rate, Japan Will Fade From Existence

Japan has adopted negative interest rates as the latest effort to revitalize its dying economy. But the country has been falling down the demographic cliff after its baby boom ignited


The Next Bankruptcy to Hit Your Portfolio

There’s an old saying that if you owe the bank $1 million, you have a problem. But if you owe the bank $100 million, then the bank has a problem.

Purchasing Power

It’s the Current Boom in the Spending Cycle, But…

In November of 2001 I was on an investment panel with three other people, including David Tice of Prudent Bear fame. He was riding high because, in addition to the


The Looming Retirement Crisis: There Are No Easy Fixes!

I don’t know Robert C. Merton personally. Reading his biography, he seems smart and accomplished. He holds degrees from Columbia, Caltech, and MIT. He was also awarded the Nobel Prize


Your 401(k) Plan: It’s More Than Just An Investment Account

Charles’ Dent 401k Advisor is designed to make you money, no matter what the stock market is doing. With it, he’ll show you how to properly allocate your portfolio for 2016.

Health Care

Health Care Premiums Shooting Through the Roof? Here’s Why

Approximately 3% of Americans are holding up the U.S. health care system, and from the latest spending bill, it’s clear Congress has zero regard for them.

Purchasing Power

People Just Don’t Get Demographics

Nearly everyone these days realizes the importance of demographics, but the majority fail to understand the bigger picture, focusing solely on supply and ignoring demand. And it’s going to be a big problem.